Cheval Blanc Patrimoine: Elite Wealth Management

In France, Cheval Blanc Patrimoine excels in wealth management. The firm prioritizes customization and conducts a comprehensive audit. This helps to understand your needs: performance, family protection, and legacy. Each investment is designed to adapt to your situation and the level of risk you accept.

Cheval Blanc Patrimoine works with reliable partners: insurers and renowned global managers. It offers a variety of products, such as the Retirement Savings Plan and the Girardin law with Inter Invest. Investments in forests and vineyards can also be found with partners like France Valley.

Real estate investment is at the heart of their services. They offer properties under the Malraux and Historical Monuments schemes. These real estate programs are located in major cities like Paris and Lyon. The goal is to optimize gains while minimizing risks over time.

During a first free appointment, they offer a comprehensive analysis: investments, income, insurance, and management. A specialized advisor guides you at every step. They provide detailed analyses to help you make the best choice for your wealth.

Key Points

• Customized approach based on a comprehensive wealth audit.
• Open architecture with leading international insurers and managers.
• Flagship solutions: PER PACTE, Girardin law, forests and vineyards, heritage real estate.
• Rigorous selections: Inter Invest, Ingepar–Groupe BPCE, Financ’ile, ECOFIP, France Valley, Fiducial, Sogénial.
• Premium locations in city centers for lasting value.
• Long-term management of risk and performance in France.
• Support from A to Z by specialized advisors.

Elite wealth management and customized wealth strategy

Cheval Blanc Patrimoine emphasizes a clear approach. The goal is to optimize taxes, ensure transmission, and create additional income easily.

Every profile is unique: whether you are an executive, a freelancer, or an investor. The Cheval Blanc team customizes your investments across different accounts and assets to optimize long-term performance.

Free wealth audit and 360° approach

A free audit allows us to define objectives together, regardless of the means of communication. It relies on a 360° vision, examining all types of possible investments.

We choose the best investment for you, based on your current financial situation. Whether investing in real estate or taking advantage of favorable tax regimes, we find the most suitable options.

Tax optimization, transmission, and additional income

Tax optimization reduces your taxes now and prepares for the future. The PER offers annuity or capital options for retirement. Life insurance and the PEA help increase your income with less tax.

Transmission is planned from the start. We use appropriate clauses and specific strategies to protect your loved ones. This approach keeps your wealth flexible and aligned with your financial needs.

Support from A to Z with a specialty advisor

You are followed at every step by a specialized advisor. Whether for retirement, financial management, or life insurance, we guide you. Each operation is managed continuously to ensure your peace of mind.

We ensure that your strategy remains flexible, optimizes your taxes, and makes thoughtful decisions for the future. Thus, we maintain good performance and increase your income under the guidance of Cheval Blanc.

cheval blanc patrimoine

Our team uses an open architecture to create clear high-performing allocations. We aim to balance growth and smooth out variations. All this while protecting capital and optimizing the risk/return ratio.

Open architecture and long-term high-performing allocations

We provide access to over 3,500 options in certain PER like Cardif Elite (97/100). And over 600 funds at Swiss Life (89/100). Dynamic banking PERs like Inter Invest (94/100) and the PER Corum Life (88/100) are included, with SCPI at no additional cost.

We choose options with reasonable fees and good consistency of the euro fund. Diversity is key: UCITS, SCPI/SCI/OPCI, global equities, and structured products. Some examples include Pictet Security and Lazard Credit Fi. And also Comgest Monde, Fidelity Funds Global Technology, and Tikehau 2027. We also carefully select stocks like Hermès and Microsoft.

PER, life insurance, PEA, securities accounts: management and diversification

Our management covers PER, life insurance, PEA, and securities accounts. This allows us to avoid gaps. Transferring banking PERs to better options is easy. We maintain the same strategy and taxation.

Diversification includes various investments such as equities, credit, and paper real estate. This helps us manage economic cycles. Each type of investment has its own role, from the safest to the most profitable.

Reducing volatility and optimizing the risk/return ratio

The portfolios we manage aim to benefit from increases and limit decreases. Over 8 years, balanced management gained +71%, well beyond other benchmarks. The risk remains moderate with reasonable costs.

This principle guides our management for all investment options, from life insurance to PEA. Thanks to the open architecture and rigorous selection, we offer stable results. This includes the opportunity to invest in real estate prudently.

Strategic investments: PER, tax exemption, forests & vineyards

Building a sustainable wealth is essential. It is important to choose solutions that provide returns and security while benefiting from tax advantages. The Retirement Savings Plan (PER), the tax exemption with the Girardin law, as well as investment in forests and vineyards, are good options. Real estate, in particular, offers interesting tax advantages and the possibility of reselling at a profit.

Retirement Savings Plan (PER) and deductibility of contributions

With the PACTE law, the PER offers an interesting tax opportunity. Employees can deduct up to 10% of their taxable net income from their contributions. For the self-employed, the ceiling is higher, thus encouraging retirement savings.

The withdrawal of savings is flexible: in capital, as an annuity, or both. There are also conditions for early release. Companies like Cardif Elite, with a score of 97/100, and Swiss Life, rated 89/100, offer excellent products for this savings.

Industrial Girardin law: one-shot approach and secure selection

The Girardin law allows for immediate tax exemption for investments overseas. The investor provides funds in the first year and benefits from the tax reduction the following year. This can represent a return of 8% to 25%. However, it is crucial to choose approved operations and a trustworthy operator.

Companies like Inter Invest and Ingepar – Groupe BPCE are reliable references. They offer attractive returns and sometimes guarantee the invested capital. Careful selection is essential to secure your investment over time.

Wood, forests, and vineyard land: tangible assets, resilience, and tax advantages

Investing in forests and vineyards is strategic. These real assets offer resistance to climate change. By investing, one can benefit from significant tax reductions, partial exemption from the IFI, and favorable conditions for transmission of wealth.

Players like France Valley and Fiducial facilitate access to these markets. They offer investments with a low entry ticket and manage the assets with expertise. This helps protect your investment against inflation and aims for profitable resale in the long term.

Heritage real estate (Malraux, Historical Monuments, tax deficit)

Heritage real estate can be very advantageous tax-wise. The Malraux law, for example, offers up to 30% tax reduction on works, with an annual ceiling. Similarly, Historical Monuments allow for the deduction of the total cost of works without limit.

These opportunities are found in historic and culturally rich cities. Investing in these properties helps preserve heritage and enhance its value. A rigorous selection increases the chances of profit upon resale, waiting for a favorable market.

Prestigious real estate and prestigious equestrian estate

Focus on properties that have meaning and value. The universe of Cheval Blanc Patrimoine combines rarity, quality, and resale profit. This combination ensures a safe and lasting value.

Investing in prestigious real estate and luxury property

Our real estate sector targets exceptional locations. Each property is situated in highly sought-after neighborhoods. Projects with significant renovations benefit from the Malraux and Historical Monuments schemes.

We choose quality materials and skilled artisans. This increases the value, charm, and rental interest, while also preserving the architectural heritage.

Selection of heritage locations and profitable resale

We target cities like Paris-Marais and Lyon, among others. These locations have a market with loyal buyers and good visibility.

Our goal is to achieve a profitable resale. We focus on rarity, price/quality adequacy, and local demand. This ensures stable rents, controlled returns, and final added value.

Heritage and long-term enhancement through tangible assets

Heritage relies on concrete, well-located, and maintained properties. The choice of location and building increases value over time,

without being affected by trends. This strategy, unique to Cheval Blanc Patrimoine, guarantees a clear and sustainable wealth.

The French Saddle: French artisanal excellence for the equestrian world

The French Saddle represents French excellence with its unique pieces. It enhances the identity of an estate, from the stable to the reception.

The choice of these high-end equipment highlights our commitment to equestrian heritage and sustainable aesthetics.

Conclusion

Cheval Blanc Patrimoine offers tailored management, starting with a free audit. This comprehensive approach helps establish a solid wealth strategy. Through rigorous selection, risk is well managed to protect your fortune.

They carefully choose the best investment vehicles: PER, life insurance, PEA, and securities accounts. The PER is attractive for its tax benefits. The industrial Girardin law, in collaboration with Inter Invest and others, targets specific objectives. Investments in forests and vineyards are also encouraged for their tax benefits and long-term value.

Quality real estate and luxury properties play a key role in enhancing your wealth. They help maintain the stability of your investments over the long term. In the equestrian domain, The French Saddle adds a unique French touch to your portfolio.

Cheval Blanc Patrimoine promises comprehensive support, from investment management to tax planning. Meetings can be held online, by phone, or in person. Their goal is to ensure you have well-managed and profitable wealth in France.